Family Business Services

More about Family Business Advisory Services

We know that family businesses face many unique challenges, many of which are easy to predict in advance. Our Family Business team can provide the independent advice and facilitation you and your family need to plan for these challenges, overcome them and protect the interests of your family and the business, in areas such as:

• Articulating the family’s vision and values
• planning for ownership succession
• planning for leadership succession
• writing a family constitution
• professionalising the family business
• recruiting non-executive directors
• next-generation training and development
• managing family conflict
• developing family communication
• developing family governance

More about Family Business Advisory Services

We will take the time to understand your individual needs and aspirations. Only then will we make recommendations that meet your personal and business objectives, including managing your wealth and maintaining your lifestyle.

Our extensive range of banking and credit services includes:

• current account banking
• a selection of deposit facilities
• a choice of debit, credit and charge cards
• borrowing, including mortgages
• 24/7 telephone and online access to your account.

Our in-house specialists can provide you with expert advice on pensions, tax and estate planning, including wills and trusts. Whether you require income from your investments, sophisticated offshore insurance bonds or life cover, we can provide the support and products you seek.

We can prepare your tax return and arrange for tax payments to be made from your Coutts account. Working closely with your Private Banker, your Coutts tax adviser can also guide you on ways to reduce or defer income tax, capital gains tax and inheritance tax.

Our Pensions Advisory team can review your pension arrangements and help you plan for your retirement. Depending on your situation, we can also advise you on the best way to draw your pension benefits.

Whatever your investment ambitions, our investment team can help you achieve them. Should you elect our team to manage your portfolio, you can trust us to make informed decisions and give you access to many of the world's leading investment teams. If you prefer to retain more involvement in your portfolio, the Coutts Advisory Service can provide you with a dedicated portfolio adviser who will work closely with you to achieve your objectives.

General banking

Our services encompass the daily banking requirements of your business, including a range of cash management products, instant access accounts, fixed-term deposits and flexible borrowing facilities for your immediate and long-term needs.

Payment and trade services

Our payment and trade services include:

• UK and international payments through Clearing House Automated Payments System (CHAPS) and Society for Worldwide Interbank Financial Telecommunication (SWIFT)
• Coutts Business Cash Card and Coutts Business Card (Visa) for your employees’ business expenditure
• trade guarantees and indemnities to facilitate your UK business transactions.

Electronic banking

To enable you to manage your business finances with maximum convenience, we have developed:

• Bankline : enabling you to make individual payments and transfers, and view transactions and balances.

International trade finance

We offer a broad range of services to help you manage your international transactions and hedge your foreign exchange exposure. These include:

• non-sterling  current and deposit accounts
• non-sterling loans and overdrafts
• bank bonds and guarantees
• a number of currency option products designed to help protect you from exchange rate movements.

Borrowing

We can structure overdrafts and term loans to meet your short-term needs and longer-term investment requirements. In certain circumstances, we can arrange loans to finance the buy-back of shares.

Interest rate management

We offer a range of interest rate management instruments, including fixed-rate agreements and hedging instruments, to manage your exposure to potential interest rate volatility.